Goldman Sachs has completed a $5.1 billion settlement over its role in the subprime mortgage crisis. Goldman is the final U.S. bank to reach a settlement with a national working group set up in 2012 to investigate how Wall Street had boosted the mortgage bubble that led to the ensuing financial crisis.

Goldman’s final bill is less than those of other mortgage giants; JPMorgan Chase paid $13.3 billion, while Bank of America paid $16.6 billion. Morgan Stanley ended up paying $3.2 billion to the working group, which consists of National Credit Union Administration, the Federal Home Loan Banks, and the states of California, Illinois and New York.